Terms of Service
Effective Date: 03/17/2023
Welcome to Hogard Business Services. By accessing or using our website and services, you agree to be bound by the following Terms of Service. If you do not agree to these terms, please do not use our services.
Overview
Hogard Business Services provides digital products, online courses, and business consultation and management services via our web-based platform. These Terms of Service govern your use of our website and services.
User Accounts
Users must create an account to access and purchase services or content.
Accounts are restricted to users aged 18 and older.
We offer tiered access levels including premium courses and consultation packages.
Users are responsible for maintaining the confidentiality of their login credentials.
Prohibited Activities
By using our services, you agree not to:
Copy, reproduce, distribute, or share course materials or digital content.
Share account access or credentials with others.
Engage in spamming, unlawful behavior, or activities that violate these Terms.
Intellectual Property
All content, including but not limited to courses, digital downloads, website design, and materials, are the exclusive property of Hogard Business Services. No license is granted for use, reproduction, or distribution. Any unauthorized use is strictly prohibited and may result in account termination and legal action.
Payments & Refunds
Payments are processed securely via Stripe and PayPal.
All digital product and course sales are non-refundable.
Subscription and service cancellations will remain active until the end of the paid billing cycle. No prorated refunds are provided.
Termination of Use
We reserve the right to suspend or terminate any user account for violations of these terms. Users will be notified unless illegal activity is involved, in which case immediate termination may occur without notice.
Disclaimers & Limitations
All content is provided for informational purposes only and does not constitute legal, financial, or medical advice.
Hogard Business Services, LLC is not liable for any direct, indirect, incidental, or consequential damages arising from the use—or inability to use—our services.
Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Illinois, United States. Any disputes shall be resolved through arbitration, at our discretion, and in accordance with applicable arbitration laws.
Modifications to Terms
We reserve the right to update or modify these Terms at any time. Users will be notified via email or website announcement when changes occur. Continued use of our services constitutes acceptance of the revised terms.
Contact Us
If you have any questions about these Terms, please contact us at:
